ERIN GRANT
Powder Springs,USA
Summary
Results- driven Fraud and Risk Analyst with ten years of experience in Anti-Money Laundering (AML), fraud detection, and risk management within consumer banking and B2B merchant payment processing. Expertise in data analysis, account security, and implementing strategies to mitigate fraud risks. Skilled in overseeing high-volume environments while delivering exceptional customer service and team leadership. Adept at policy development, enhancing operational security, and driving results by leveraging data insights to support effective decision-making. Proven track record of improving safety and security protocols, ensuring compliance, and strengthening risk management frameworks across diverse portfolios.
Overview
10
10
years of professional experience
Work History
Lead Transaction Risk and Fraud Analyst
Versapay
05.2022 - Current
- Lead operations for a fraud and risk management team, overseeing a portfolio of 250+ domestic and international clients, including small businesses and large corporations, with outstanding balances ranging from $2k to $2.5 million
- Develop and implement transaction monitoring systems for ACH, debit/credit card, and wire transfer payments, detecting and mitigating fraudulent activities such as account takeovers, phishing, and online card testing
- Collaborate closely with fraud management, product, finance, and engineering teams to define merchant processing thresholds, approve merchant parameters, and optimize fraud detection strategies, ensuring a balance between minimizing fraud loss and maintaining a positive customer experience
- Drive the development and implementation of fraud detection strategies, improving fraud loss prevention rates and reducing chargebacks within the first year
- Analyze economic trends and key indicators (e.g., D&B scores, revenue comparisons, industry news), proactively identifying emerging risks and mitigating fraud, contributing to a reduction in fraud-related losses
- Create and maintain essential resources for the fraud and risk department, including quick reference guides, job aids, and standardized templates, enhancing operational efficiency and enabling the team to respond swiftly to fraud incidents
- Conduct weekly team meetings, providing coaching and insights on emerging fraud trends, while aligning the team with business objectives and optimizing risk management processes
- Prepare and present monthly risk reports on key performance metrics, including fraud alerts, aging summaries, cash forecasting, and unapplied cash analysis, delivering insights to senior leadership and cross-functional teams to foster transparency and alignment
- Successfully led the launch of a new fraud detection software platform in partnership with Feature Space, ensuring the system met compliance standards and enhanced real-time fraud monitoring
- Write and file Suspicious Activity Reports (SARs) in compliance with regulatory requirements, ensuring timely and accurate reporting of suspicious transactions to the appropriate authorities, mitigating risk and ensuring compliance with industry regulations
- Played a pivotal role in developing and refining fraud prevention policies and training programs, increasing team knowledge retention and reducing fraud incidents due to human error, while maintaining a high level of team engagement and adherence to compliance standards
Senior Fraud Investigator
PWC - USAA
01.2024 - 01.2025
- Filed SAR reports daily, ensuring timely and precise reporting for USAA and other clients, with records dating back to 2020, significantly reducing potential penalties related to non-compliance
- Amended incorrectly filed SAR reports dating back to 2018, correcting inaccuracies and ensuring full compliance with regulatory requirements, safeguarding the company from potential legal and financial repercussions
- Managed a diverse portfolio of fraud cases in a product-driven environment, investigating financial and non-financial suspicious activities across multiple services, consistently identifying risks and preventing significant losses for the company
- Utilized advanced fraud management tools to investigate potential fraud, including financial exploitation, account misuse, and other harmful activities, ensuring proactive mitigation and safeguarding member assets
- Successfully identified and addressed risks related to elder financial exploitation and other vulnerable populations, escalating cases as necessary to ensure timely intervention and protection
Fraud Analyst / Senior Fraud Analyst
Bank Of America
07.2015 - 05.2022
- Analyzed transaction activity across multiple channels to identify potential fraud risks, implementing timely interventions to protect customer accounts and prevent financial losses, successfully mitigating high-risk fraud threats
- Utilized advanced fraud management tools to investigate potential fraud, including financial exploitation, account misuse, and other harmful activities, ensuring proactive mitigation and safeguarding member assets
- Managed comprehensive records and files, streamlining data access for investigations and ensuring efficient retrieval of information, significantly improving fraud detection processes and reducing investigation turnaround time
- Collaborated with external partners, including VISA CAMS and FICO, to review alerts and ensure comprehensive fraud detection across all payment channels, enhancing fraud prevention across diverse transaction types
- Conducted high-volume inbound and outbound calls (up to 100 daily), assessing complex transaction characteristics and suspicious documentation to determine appropriate actions for account protection, achieving a consistent success rate in resolving complex fraud cases
- Investigated and resolved disputes and fraud claims, collaborating with customers and internal teams to ensure timely and accurate resolutions, enhancing customer satisfaction and trust
- Maintained up-to-date knowledge of industry trends, emerging fraud schemes, and regulatory changes, ensuring that investigative practices remained current and effective in combating new fraud tactics
- Participated in cross-functional projects aimed at enhancing fraud prevention strategies, contributing to the development and implementation of new policies and procedures that improved overall fraud detection and prevention efforts
- Investigated chargebacks related to transaction codes, identifying discrepancies and implementing corrective actions to minimize financial impact and ensure compliance with payment processing standards
Education
High School Diploma -
Chesapeake High School
Essex, MDBachelor of Science - Business Information Systems
University Of Arizona
06-2025
Skills
- Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
- Sales Force
- PayFac
- SQL
- JASON
- Sharepoint
- Data analysis
- Python programming
- Fraud documentation
- AML compliance
- Activity monitoring
- Fraud training
- Fraud incident response
- Case management
Software Technological Proficiency
- Business Track
- NetSuite
- SAP
- 2CP
- ISO
- G2
- Sales Force
- Check Commerce
- PayFac
- Infinicept
- Sharepoint
- Dun and Bradstreet
- LexisNexis
- Tableau
- Fiserv
- Feature Space
Timeline
Senior Fraud Investigator
PWC - USAA
01.2024 - 01.2025
Lead Transaction Risk and Fraud Analyst
Versapay
05.2022 - Current
Fraud Analyst / Senior Fraud Analyst
Bank Of America
07.2015 - 05.2022
High School Diploma -
Chesapeake High School
Bachelor of Science - Business Information Systems
University Of Arizona
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